Kenya Women Finance Trust Deposit Taking Microfinance Ltd - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 134 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Please note that the information you are viewing is 125 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Kenya Women Finance Trust Deposit Taking Microfinance Ltd P.O. Box 4179 - 00506Kiambere Road, Upper HillNairobi

Data approved: 2013-06-24

Data version: 2

Age of data: 134 months

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Institution

The First MicroFinanceBank Ltd. 16th, 17th Floor, Habib Bank Ltd. Tower, Near China ChowkBlue AreaIslamabad, Federal44000

Data approved: 2013-07-25

Data version: 1

Age of data: 125 months

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Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.kwftdtm.com
Year established	1982
Head of Institution	Mwangi Githaiga
Regions active	Central, Coast, Eastern, Nairobi, North Eastern, Nyanza, Rift Valley, Western
# Branches	235

Total Portfolio (nat'l)	KES 13,743,335,462
Total Portfolio (USD)	USD 165,982,312.30
Active clients with loans	250,748
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations	Women's World Banking, AMFI, AFRACA
Funders	KWH, Employee Share Ownership Plan (ESOP)

Institution Details

Institution Type	Bank
Is this institution regulated?	Yes
Website address	http://www.akdn.org/pakistan_microfinance.asp
Year established	2002
Head of Institution	Amir Masood Khan
Regions active	Azad Kashmir, Balochistan, Gilgit-Baltistan, Khyber Pakhtunkwa, Punjab, Sindh
# Branches	133

Total Portfolio (nat'l)	PKR 4,020,148,567
Total Portfolio (USD)	USD 41,021,924.15
Active clients with loans	166,267
Approximate % female clients	20% - 40%
Approximate % urban clients	40% - 60%
Network affiliations	Pakistan Microfinance Network (PMN), Microfinance Network (MFN), Banking with the Poor, Aga Khan Development Network (AKDN)
Funders	Aga Khan Agency for Microfinance (Equity partner/Investor), International Finance Corporation (Equity Partner/Investor), Japan International Corporation Agency (JICA)

Loan Products » Summary

Biashara

219,089 Borrowers

USD 147,326,470.70 Portfolio

Active Product

Consumer

3,642 Borrowers

USD 1,049,663.59 Portfolio

Active Product

Elimu

13,496 Borrowers

USD 6,138,841.28 Portfolio

Active Product

Mwamba

7,643 Borrowers

USD 7,066,361.15 Portfolio

Active Product

Mwangaza

38,391 Borrowers

USD 3,285,406.97 Portfolio

Active Product

Start Up

12,383 Borrowers

USD 1,115,568.65 Portfolio

Active Product

Loan Products » Summary

Agriculture

63,528 Borrowers

USD 16,214,001.18 Portfolio

Active Product

Enterprise

54,724 Borrowers

USD 8,530,425.54 Portfolio

Active Product

Livestock S

33,590 Borrowers

USD 8,406,219.68 Portfolio

Active Product

Livestock M

103 Borrowers

USD 47,239.66 Portfolio

Active Product

General

494 Borrowers

USD 137,748.27 Portfolio

Active Product

Pension

10,197 Borrowers

USD 5,358,363.83 Portfolio

Active Product

Salary

2,939 Borrowers

USD 1,829,346.10 Portfolio

Active Product

Gold

458 Borrowers

USD 324,813.30 Portfolio

Active Product

Near Cash

233 Borrowers

USD 173,650.49 Portfolio

Active Product

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Biashara Loan	KES 10,000 - 45,000,000	6 - 60	60% - 80%	0% - 20%	Business	Women, Have business	Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Health education, Women empowerment
Consumer Loan	KES 10,000 - 200,000	6 - 18	80% - 100%	0% - 20%	Consumer	Women, Have business	Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Leadership, Women empowerment
Elimu Loan	KES 5,000 - 200,000	6 - 12	80% - 100%	0% - 20%	Education	Women, Have business, Evidence of school admission/attendance	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Agricultural Loan	KES 10,000 - 45,000,000	6 - 36	80% - 100%	0% - 20%	Business, Agriculture	Women, Have business	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Leadership, Women Empowerment
Energy Loan	KES 50,000 - 200,000	6 - 36	80% - 100%	0% - 20%	Business, Other	Women, Have business	Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Leadership, Women empowerment
Asset Financing Loan	KES 50,000 - 10,000,000	6 - 60	80% - 100%	0% - 20%	Business	Women, Must be willing to set up a viable business	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Agriculture Finance	PKR 10,000 - 150,000	3 - 14	0% - 20%	0%	Agriculture	Women, Men, Has owned or contracted cultivation land and has experience of cultivation	Group Mtgs, Credit Ins
Enterprise Finance	PKR 15,000 - 150,000	3 - 18	0% - 20%	80% - 100%	Business	Women, Men, Have business, Start up can also avail loan facility	Group Mtgs, Credit Ins
Livestock Finance (Short Term)	PKR 10,000 - 150,000	3 - 12	20% - 40%	0% - 20%	Business, Small animal purchase, raring, fattening and productivity enhancement of large animals	Women, Men	Group Mtgs, Credit Ins
Livestock Finance (Medium Term)	PKR 30,000 - 80,000	6 - 36	40% - 60%	0% - 20%	Business, Purchase of milking cow/buffallo	Women, Men, Must have at least 2 existing milking animals	Group Mtgs, Credit Ins
General Purpose Finance	PKR 10,000 - 50,000	3 - 12	40% - 60%	0% - 20%	Housing, Education, Other	Women, Men	Group Mtgs, Credit Ins
Micro Pensioner Loan	PKR 20,000 - 150,000	6 - 36	0% - 20%	40% - 60%	Any Purpose	Women, Men, Must be a pensioner	Credit Ins
Low Salary Employees Loan	PKR 20,000 - 150,000	6 - 36	0% - 20%	40% - 60%	Any Purpose	Women, Men, Salaried worker	Credit Ins
Individual Loan Against Gold	PKR 35,000 - 150,000	3 - 12	40% - 60%	100%	Any Purpose	Women, Men	Credit Ins
Individual Loan Against Cash/Near Cash	PKR 20,000 - 150,000	3 - 24	0% - 20%	40% - 60%	Any Purpose	Women, Men	Credit Ins

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Biashara Loan	20.0%-21.6% annual, Flat	2 Fees	1 Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	37.1% - 42.8%	47.8% - 60.2%	35
Consumer Loan	18.0%-22.0% annual, Flat	2 Fees	1 Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	40.6% - 40.7%	52.7% - 55.7%	33
Elimu Loan	20.0%-22.0% annual, Flat	2 Fees	1 Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	38% - 43.9%	52.7% - 61.3%	35
Agricultural Loan	20.0%-22.0% annual, Flat	2 Fees	1 Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	37% - 42.8%	47% - 56.9%	36
Energy Loan	20.0%-22.0% annual, Flat	2 Fees	1 Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	36.8% - 40.8%	51.9% - 57.7%	33
Asset Financing Loan	11.2%-20.0% annual, Flat	2 Fees	1 Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	35.9% - 41.4%	43.9% - 56.7%	22

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agriculture Finance	26.0%-38.4% annual, Decl Bal	1 Fee	16.00% fees	N/A	29.1% - 33.8%	29.1% - 33.9%	N/A
Enterprise Finance	38.4% annual, Decl Bal	1 Fee	16.00% fees	N/A	30% - 38.2%	30% - 38.2%	N/A
Livestock Finance (Short Term)	26.0%-38.4% annual, Decl Bal	1 Fee	16.00% fees	N/A	27.8% - 40.2%	27.8% - 40.6%	N/A
Livestock Finance (Medium Term)	31.7%-40.9% annual, Decl Bal	1 Fee	16.00% fees	N/A	32.1% - 44.6%	32.1% - 45.1%	N/A
General Purpose Finance	26.0%-38.4% annual, Decl Bal	1 Fee	16.00% fees	N/A	27.6% - 37.6%	27.6% - 37.6%	N/A
Micro Pensioner Loan	30.0%-32.0% annual, Decl Bal	1 Fee	16.00% fees	N/A	30.5% - 36.4%	30.5% - 36.9%	N/A
Low Salary Employees Loan	30.0%-32.0% annual, Decl Bal	1 Fee	16.00% fees	N/A	32.2% - 33.6%	32.2% - 33.6%	N/A
Individual Loan Against Gold	24.0% annual, Decl Bal	2 Fees	16.00% fees	N/A	25.1% - 26.1%	25.3% - 26.5%	N/A
Individual Loan Against Cash/Near Cash	4.0%-20.0% annual, Decl Bal	1 Fee	16.00% fees	N/A	4.6% - 25.2%	4.7% - 26.1%	N/A

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Biashara Loan	20.0%-21.6% annual, Flat	2 Fees	1 Ins Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	37.1% - 42.8%	47.8% - 60.2%	35
Consumer Loan	18.0%-22.0% annual, Flat	2 Fees	1 Ins Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	40.6% - 40.7%	52.7% - 55.7%	33
Elimu Loan	20.0%-22.0% annual, Flat	2 Fees	1 Ins Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	38% - 43.9%	52.7% - 61.3%	35
Agricultural Loan	20.0%-22.0% annual, Flat	2 Fees	1 Ins Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	37% - 42.8%	47% - 56.9%	36
Energy Loan	20.0%-22.0% annual, Flat	2 Fees	1 Ins Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	36.8% - 40.8%	51.9% - 57.7%	33
Asset Financing Loan	11.2%-20.0% annual, Flat	2 Fees	1 Ins Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	35.9% - 41.4%	43.9% - 56.7%	22

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agriculture Finance	26.0%-38.4% annual, Decl Bal	1 Fee	0 Ins Ins	16.00% fees	N/A	29.1% - 33.8%	29.1% - 33.9%	N/A
Enterprise Finance	38.4% annual, Decl Bal	1 Fee	0 Ins Ins	16.00% fees	N/A	30% - 38.2%	30% - 38.2%	N/A
Livestock Finance (Short Term)	26.0%-38.4% annual, Decl Bal	1 Fee	0 Ins Ins	16.00% fees	N/A	27.8% - 40.2%	27.8% - 40.6%	N/A
Livestock Finance (Medium Term)	31.7%-40.9% annual, Decl Bal	1 Fee	0 Ins Ins	16.00% fees	N/A	32.1% - 44.6%	32.1% - 45.1%	N/A
General Purpose Finance	26.0%-38.4% annual, Decl Bal	1 Fee	0 Ins Ins	16.00% fees	N/A	27.6% - 37.6%	27.6% - 37.6%	N/A
Micro Pensioner Loan	30.0%-32.0% annual, Decl Bal	1 Fee	0 Ins Ins	16.00% fees	N/A	30.5% - 36.4%	30.5% - 36.9%	N/A
Low Salary Employees Loan	30.0%-32.0% annual, Decl Bal	1 Fee	0 Ins Ins	16.00% fees	N/A	32.2% - 33.6%	32.2% - 33.6%	N/A
Individual Loan Against Gold	24.0% annual, Decl Bal	2 Fees	0 Ins Ins	16.00% fees	N/A	25.1% - 26.1%	25.3% - 26.5%	N/A
Individual Loan Against Cash/Near Cash	4.0%-20.0% annual, Decl Bal	1 Fee	0 Ins Ins	16.00% fees	N/A	4.6% - 25.2%	4.7% - 26.1%	N/A

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Key Statistics
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# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits

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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

Total Borrowers of Samples

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